- Best car insurance companies in Indiana
- Cheapest car insurance companies in Indiana
- Average cost of car insurance in Indiana
- Indiana car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Indiana
- Cheapest car insurance cost in Indiana by age
- Cheapest car insurance companies in Indiana by driver profile
- Compare auto insurance rates by city in Indiana
- Car insurance premium trends in Indiana
- Methodology
- Compare Indiana car insurance rates with other states
Best car insurance companies in Indiana
Nationwide and GEICO are tied as the best car insurance companies in Indiana, based on our latest best car insurance companies rankings, with an overall rating of 4.47. Auto-Owners is the next-best auto insurance company in Indiana, with an overall rating of 4.40.
Below is a full list of the top Indiana insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 641 | 0.69 | $986 | 4.47 |
| Nationwide | A | 688 | 0.63 | $1,309 | 4.47 |
| Auto-Owners | A+ | 646 | 0.54 | $1,188 | 4.4 |
| Travelers | A++ | 606 | 0.52 | $1,264 | 4.14 |
| State Farm | A++ | 665 | 0.79 | $1,616 | 4.1 |
| Progressive | A+ | 648 | 0.71 | $1,480 | 4.06 |
| Indiana Farm Bureau | A | 651 | 0.47 | $2,153 | 3.68 |
| Allstate | A+ | 652 | 1.1 | $2,324 | 3.15 |
| Farmers | A | 588 | 0.86 | $1,956 | 3.05 |
| USAA | A++ | 726 | 1.18 | $783 | 4.5 |
Cheapest car insurance companies in Indiana
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Indiana and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA offers the cheapest car insurance in Indiana for military drivers at $921 per year. GEICO offers the cheapest full coverage car insurance in Indiana open to all drivers with average rates of $1,175 annually or $98 a month.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $279 | $343 | $1,175 |
| Travelers | $370 | $442 | $1,475 |
| Progressive | $404 | $465 | $1,648 |
| Auto-Owners | $351 | $423 | $1,889 |
| Indiana Farmers Insurance | $390 | $471 | $2,060 |
| Farmers | $738 | $948 | $2,190 |
| Indiana Farm Bureau | $553 | $655 | $2,662 |
| Allstate | $704 | $815 | $2,680 |
| USAA | $214 | $248 | $921 |
*USAA is available only to military members and their families.
Average cost of car insurance in Indiana
The average cost of car insurance in Indiana is $1,856 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Indiana is $445.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Indiana
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Lake Station | $871 | $73 |
| Gary | $870 | $73 |
| Merrillville | $812 | $68 |
| Hammond | $793 | $66 |
| East Chicago | $785 | $65 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Bremen | $519 | $43 |
| West College Corner | $524 | $44 |
| Dubois | $530 | $44 |
| Ferdinand | $531 | $44 |
| Birdseye | $532 | $44 |
The Indiana Department of Insurance says...
Each newly written Indiana auto liability policy must include uninsured and underinsured motorist's coverage unless you reject this in writing. Minimum liability limits are:
- Uninsured Motorists: Bodily Injury: $25,000/$50,000
- Property Damage: $25,000
- Under insured Motorists: Bodily Injury: $50,000
Indiana car insurance requirements
Indiana’s minimum car insurance coverage limits are 25/50/25. Indiana's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $445 annually or $38 monthly.
Minimum liability insurance requirements for Indiana:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
Cheapest car insurance companies for minimum liability coverage in Indiana
According to Insurance.com, GEICO provides the cheapest state minimum liability insurance, averaging $343 annually or $29 monthly. USAA offers cheaper rates but has eligibility criteria.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Indiana.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $343 | $29 |
| Auto-Owners | $423 | $35 |
| Travelers | $442 | $37 |
| Indiana Farmers Insurance | $471 | $39 |
| Progressive | $465 | $39 |
| Indiana Farm Bureau | $655 | $55 |
| Allstate | $815 | $68 |
| Farmers | $948 | $79 |
| USAA | $248 | $21 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Indiana by age
In Indiana, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Indiana Farmers Insurance offers the cheapest car insurance for a 16-year-old driver in Indiana at $3,504 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Indiana, GEICO offers the cheapest car insurance for a 25-year-old driver and a 65-year-old driver at $1,359 per year and $1,001 per year, respectively. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Indiana Farmers Insurance | $3,504 | $292 |
| USAA | $4,075 | $340 |
| Progressive | $6,488 | $541 |
| Auto-Owners | $6,805 | $567 |
| Travelers | $6,838 | $570 |
| GEICO | $7,665 | $639 |
| Indiana Farm Bureau | $8,538 | $711 |
| Allstate | $8,996 | $750 |
| Farmers | $12,816 | $1,068 |
*USAA is only available to military members and families.
Cheapest car insurance companies in Indiana by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Indiana rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,475 | $2,114 | $2,173 |
| Progressive | $1,648 | $3,242 | $2,563 |
| GEICO | $1,175 | $2,718 | $2,735 |
| Auto-Owners | $1,889 | $2,413 | $3,102 |
| Farmers | $2,190 | $4,091 | $3,322 |
| Allstate | $2,680 | $4,296 | $3,422 |
| USAA | $921 | $1,401 | $1,164 |
*USAA is only available to military members and their families.
Compare auto insurance rates by city in Indiana
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Indiana will impact what you pay. Below, we've gathered Indiana car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Bloomington | $1,485 |
Dyer | $1,610 |
Fort Wayne | $1,447 |
Indianapolis | $1,627 |
Car insurance premium trends in Indiana
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Indiana to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Indiana car insurance rates with other states
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